After you've been married for 2-3 years, then she can try and apply. Does she own real property? Have 1-2 million Baht in savings, etc.? She will need to bring these kinds of documents with her to the interview. They want to see good reason to return.
you don't know what you are talking about. I've lived here since 2007 and have seen a few people who have not been able to pay their bill upon discharge from the hospital (not Covid related). In EVERY case, the police were summoned and made sure the bill was paid one way or another.